That's $10,500 on a $300K home. Flexible credit requirements. Built for first-time buyers who are ready to own.
FHA loans exist specifically for buyers who don't have a 20% down payment or a perfect credit score. That's most people. We've helped thousands of them close.
Get Pre-Qualified →That's $10,500 on a $300K home. Keep more cash for moving, furniture, and reserves.
More forgiving than conventional loans. Recent credit issues or a thin file? FHA is designed for you.
Family can gift your entire down payment. We handle all the documentation, no delays.
Negotiate closing costs into the deal. Save thousands at the table without touching your own cash.
Tell us your credit score, income, and the area you're buying in. No hard pull yet, just a soft inquiry to see exactly which FHA programs you qualify for and how much you can borrow.
We'll tell you exactly what to upload, 2 years W-2, last 2 pay stubs, 2 months bank statements. Gift letter if a family member is helping with your down payment. Simple checklist, no guessing.
Your FHA pre-approval letter shows sellers exactly what you can afford. Remember: FHA loans require the home to pass an appraisal. Your loan officer will guide you on what to look for.
We underwrite and fund in-house, so there's no wholesale lender waiting in the middle. From accepted offer to keys in your hand in 21 days, even for FHA.
"Credit score was 658. Conventional lenders said no. Got approved FHA with 3.5% down on a $275k townhouse. PMI drops off after 11 years. Better than renting forever. Bedrock Mortgage pre-approved me in like 2 days."
"FHA with 3.5% down on a $320k condo in Miami. Out of pocket was $15,600. Our rent was $2,400/month, now our mortgage is $2,510 but we're building equity. Closed in 23 days, the quick close helped us win the deal."
"Credit score 641. Got approved FHA at 6.625%. Seller paid $5k in concessions. Total out of pocket was like $6k. I'm 25 and I own a house in Tampa. Way ahead of my friends who are still renting."
You can qualify with a credit score as low as 580 for the 3.5% down payment option. If your score is between 500-579, you'll need 10% down. FHA is much more flexible than conventional loans which typically require 620 minimum.
Yes. FHA loans allow gift funds from family members for your entire down payment and closing costs. No limits on gift amounts. We'll guide you through the documentation.
FHA requires an upfront premium of 1.75% (rolled into your loan) and an annual premium of 0.55–0.85% paid monthly. Unlike conventional PMI, FHA insurance stays for the life of the loan if you put down less than 10%.